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Vanderbilt Mortgage and Finance, Inc in Texas

HMDA record for properties in Texas, calendar year 2024. National record · Texas overview

LEI 5493000YNV8IX4VD3X12
Reporting agency Department of Housing and Urban Development
State Texas

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

In Texas, Vanderbilt Mortgage and Finance, Inc reported 16,627 applications and 2,199 originations for 2024, $263m in all.

Its denial rate in the state was 76.8%, above the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 69.7%.

The median rate spread on its Texas originations was 4.1 percentage points (state median 0.2).

Applications in the state were about level with 2023.

16,627applications in TX, 202413.5% of the lender's total
2,199loans originated$263m
76.8%denial rateTX all lenders 26.0%
4.1 ppmedian rate spreadTX 0.2 pp

Compared with the state and the lender's national record

MeasureIn TexasTexas, all lendersVanderbilt Mortgage and Finance, Inc, all statesUnited States
Denial rate76.8%26.0%69.7%24.3%
Median rate spread, pp4.10.22.50.3
Originations with spread of 1.5 pp or more97.5%11.8%61.0%15.6%
Average originated loan$120k$350k$204k$329k
Home purchase share99.6%72.8%98.8%57.0%
FHA-insured share0.1%19.8%11.3%13.4%
VA-guaranteed share0.0%10.4%5.2%7.9%

Trend by year

ApplicationsOriginations

08,35616,7122022: 15,022 Applications2023: 16,712 Applications2024: 16,627 Applications2022: 1,887 Originations2023: 2,053 Originations2024: 2,199 Originations202220232024
Vanderbilt Mortgage and Finance, Inc in Texas: applications and originations, 2022–2024

This lender in stateTexas, all lenders

0%39.0%77.9%2022: 76.9% This lender in state2023: 77.9% This lender in state2024: 76.8% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Texas

By purpose

Home purchase 100% (2,190)Refinancing 0% (7)Cash-out refinancing 0% (2)

By type

Conventional 100% (2,195)FHA 0% (3)VA 0% (1)

Denial reasons as coded

Credit history45.7%
Unverifiable information29.3%
Debt-to-income ratio23.6%
Employment history1.2%
Credit application incomplete0.1%
Collateral0%
Insufficient cash (downpayment, closing costs)0%
Mortgage insurance denied0%
Other0%

Share of 8,472 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).

Counties in Texas

CountyApplicationsOriginationsAmountDenial rate
Harris County2,176234$24m82.5%
Liberty County991161$17m74.9%
Montgomery County1,157157$26m77.7%
Brazoria County38252$5.6m76.0%
Fort Bend County26351$5.4m68.0%
El Paso County18750$4.4m54.8%
Bastrop County32944$4.8m75.1%
Navarro County18341$4.9m63.4%
Bexar County55437$4.2m87.7%
Galveston County17232$4.6m70.9%
Johnson County23431$3.6m73.1%
Ector County31329$3.1m84.6%
Henderson County22428$3.0m75.2%
Bell County17728$2.7m72.0%
Hidalgo County32427$2.7m87.9%
Waller County20927$3.0m80.4%
Brazos County21425$2.2m78.6%
Hardin County15625$2.9m73.0%
Harrison County21924$2.5m75.6%
Angelina County15324$3.5m74.5%
San Jacinto County11023$2.9m61.5%
Cherokee County6322$2.4m46.7%
Ellis County17821$1.9m80.3%
Guadalupe County15421$3.0m69.1%
Smith County16620$2.2m79.0%
Polk County12720$1.5m73.2%
Walker County11020$2.3m65.8%
Anderson County8820$6.2m53.7%
Van Zandt County8519$2.0m62.5%
Tarrant County29018$1.8m89.4%
Dallas County25418$1.9m88.8%
McLennan County19218$3.6m79.1%
Jasper County7117$1.4m62.7%
Trinity County6717$2.4m60.8%
Wood County5817$2.0m51.4%
Rusk County11216$2.1m67.9%
Hopkins County7316$1.7m63.3%
Midland County12515$1.4m79.3%
Cass County7015$1.8m64.7%
Tyler County6415$1.8m64.3%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Vanderbilt Mortgage and Finance, Inc originate in Texas in 2024?

2,199 loans totalling $263m, from 16,627 applications reported for properties in Texas.

What is Vanderbilt Mortgage and Finance, Inc's denial rate in Texas?

76.8% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 69.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Texas counties does Vanderbilt Mortgage and Finance, Inc lend in most?

By originations: Harris County (234), Liberty County (161), Montgomery County (157), Brazoria County (52), Fort Bend County (51).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.